Insuring Your Family Heirloom Jewelry with Specialty Property Insurance

Specialty insurance remains so special that few people know what it really does so Huntington, TX’s Integra Insurance Services created this blog to let you know how to use this little-known type of policy. Most individuals who do know think of it in terms of event insurance. This is the type of policy that people usually purchase to protect their conference, convention, or wedding. 

You can also use this to protect jewelry, a common need when people get engaged since they want to protect the ring through the time of the wedding ceremony. It also protects family heirloom pieces though. A specialty property insurance policy has many uses and while this is not the most common, it does come in handy.

This type of policy can be a primary or a secondary. You can use the property insurance coverage in your home insurance as well as a specialty insurance policy to protect property such as family vases, furniture, jewelry, and other heirlooms. When you use it this way, it functions as a secondary policy.

When you purchase a specialty policy as coverage for an engagement ring, but you have no other insurance policy whatsoever, the policy functions as a primary policy.

Specialty policies protect both tangible and intangible property making them one of the most flexible types of insurance. You can purchase these policies to suit the items you need to insure. You might purchase a policy to cover your engagement ring for $5,000. Two years later, you might purchase a different specialty policy to insure the antiques left to you by a deceased relative in the amount of $500,000. These flexible policies can insure almost any amount as long as your insurance company will underwrite that amount.

Contact Huntington, TX’s Integra Insurance Services for more information on how you can protect your property with a specialty policy. It works as primary or secondary insurance and can cover any type of personal property.

Three mistakes to avoid when you purchase commercial insurance in Texas

Business owners need to understand the importance of having commercial insurance. We can help answer your questions about commercial insurance in Huntington, TX at Integra Insurance Services. 

The following are three mistakes you need to avoid when you purchase commercial insurance in Texas.

Failing to compare options between providers

There are many different insurance providers offering commercial coverage in Texas. You shouldn’t just accept a policy from the first provider you look into.

Instead, you should get quotes on policies from several different providers. Then, you can compare them and choose the one that would be best for your company’s needs and budget. 

Neglecting to perform a risk assessment

One important step you don’t want to skip when you buy commercial insurance coverage in Texas is performing a risk assessment at your company. A risk assessment involves pinpointing your liability risks. 

When you identify the liability risks that your company faces, you become aware of what types of coverage you need. It’s easy to overlook a significant liability if you don’t have a thorough risk assessment done before purchasing a policy. 

Being unaware of the various types of commercial insurance

Commercial insurance is a fairly complex product. There are many different kinds of commercial insurance coverage out there. It’s important to be familiar with these types of coverage to determine which ones you need.

Some of the most important kinds of commercial coverage are commercial auto, commercial property, commercial liability, and worker’s compensation coverage. Understand the different types of coverage and how they work before you purchase a policy. 

To learn more about commercial insurance options in Huntington, TX, get in touch with us at Integra Insurance Services. We can answer your questions and help you find adequate coverage for your commercial needs. 

Smart Tips for Buying Auto Insurance

Auto insurance is required in Huntington, TX, but that doesn’t mean that everyone gets the same coverage. At Integra Insurance Services, we’ll customize your auto policy to ensure you get the coverage you need for your lifestyle. If you’re in the market for auto insurance, the following tips can help you find just the policy you need.

Shop Around

Auto policies vary in coverage and price. Before buying your policy, take the time to shop around and see what’s available in your area. In addition to reviewing coverage and price, look for an insurance company that has a reputation for providing quality services so you don’t have problems in making a claim.

Cheap Isn’t Always Best

Although price is important, it’s not the best reason to choose a policy. Cheap insurance may not offer all the protection you need. Beware of compromising coverage for price.

Get Adequate Coverage

Make sure you get adequate coverage for your needs. If you own a new car, you’ll want coverage that helps cover your repairs in the event of an accident. Otherwise, you could wind up paying for car repairs out of pocket. You also need to ensure your policy fulfills Texas auto insurance requirements.

Ask about Discounts

If you have a good driving record, have safety features on your car, completed a driver safety course or drive infrequently, you could qualify for a discount on your auto coverage. By bundling your home and auto insurance, you can also get reduced rates on your coverage. Ask your insurer about discounts so you can take advantage of lower auto insurance costs.

The right auto insurance from the right insurer will give you the protection you need on the road. For quality auto coverage at reasonable costs, contact Integra Insurance Services, serving residents in Huntington, TX.

Can home insurance protect me and my property?

Those that live in the Huntington, TX area are going to have a lot of big decisions to make. One important decision to take seriously will come when you decide whether or not to purchase your next home. This area of Texas offers many great benefits to property owners. If you are going to purchase a property here, it would be a good idea to get home insurance. A quality home insurance policy can protect you and your asset in several different ways.

Insurance Gives Liability Protection

One advantage of home insurance is that it can give you liability protection. Anyone that owns a property should spend time thinking about their personal liability risk. Since there is always a small chance that you could be at fault in an accident, you will want a full home insurance policy as it can give you beneficial liability protection to meet your needs. 

Insurance Protects Assets

Another advantage of this insurance is that it can protect your assets. A home insurance plan will first give you coverage to repair or replace your home following a fire or other form of accident. Additionally, you can receive coverage that will protect your personal assets, which could include your furniture, clothing, or even personal electronics. 

If you are going to get a home insurance policy in the Huntington, TX area, it would be a good idea to get the guidance and support that you need to make a wise decision. For those that are in this area, speaking with the team at Integra Insurance Services would be a great option. If you do reach out to Integra Insurance Services, you can ask any questions that you have and get help to pick the right policy to meet your needs. 

Boat Insurance FAQs

Boating is a popular pastime in Huntington, TX. It’s a great way to get away from the hustle and bustle of the city and beat the Texas heat. However, before you hit the water, you must have the proper insurance coverage. At Integra Insurance Services, we offer insurance for many types of boat and watercraft. 

What Does Boat Insurance Cover?

This depends on the type of policy you have. 

Basic coverage options include:

  • Collision (damage to your boat)
  • Property damage liability (damage to another’s boat or property)
  • Bodily injury liability (covers other party’s medical expenses)
  • Comprehensive (covers damage that doesn’t happen on the water)

Does Home Insurance Cover My Boat?

Your homeowner’s policy likely provides some protection for your boat, but it may not be enough to cover the damages. Some policies only cover the boat when it is on your property, not when it’s on the water. In most cases, your homeowner’s policy doesn’t provide the coverage you need for your boat.

Sinking and Wreckage Removal

This is an important aspect of a boat insurance policy. If your boat sinks or wreckage has to be retrieved, the cleanup can be expensive. It’s recommended that you have a policy that covers sinking and wreckage removal. 

What’s the Difference Between Comprehensive and Collision?

Comprehensive and collision together will protect your boat from most types of damage. Collision means that your boat is on the water and collides with another object. This could be a dock, another boat, or rocks. Comprehensive coverage is for incidents not related to the use of your boat. If it is damaged during storage, for example. 

If you own a boat or watercraft in Huntington, TX,  contact Integra Insurance Services. We can provide the policy that best suits your needs, so you can enjoy your time on the water worry-free. 

How can a toy insurance policy protect me in Texas?

In the state of Texas, a lot of people will live near areas where this a lot of open land. At the same time, there is great weather most of the year. For those that are in the Huntington, TX area, owning a recreational toy can allow them to get the most out of living in this state. When you do own a recreational toy, it is important that you get a proper insurance policy for your asset. A toy insurance policy can protect you in a number of different ways. 

Protects Asset

One of the advantages of a toy insurance policy is that it can protect your asset. A recreational toy can come with a big investment and you will want to protect this as well as you can. One of the best ways that you can protect this investment is by getting a toy insurance policy. With this insurance, you will have coverage if your toy is damaged or stolen.

Gives Liability Coverage

Whenever you are operating a recreational toy, there is going to be a chance that you could cause an accident that comes with damage. A toy insurance policy will come with liability insurance protection. This way, you will have coverage to handle the damages that are caused in an accident.

When you are looking to get a toy insurance policy, it is important that you know all of your options. A great company to reach out to when you are choosing a toy insurance policy in the Huntington, TX area is Integra Insurance Services. When you call the team at the Integra Insurance Services, it will help to ensure that you receive the support you need to understand your options and pick the right policy for your situation.

Specialty Property Insurance Is To Protect You When You Need it Most.

Sometimes when you need insurance the most, you discover that there is a circumstance that makes purchasing it difficult. Even if your property is not easily insured we understand that insurance is vital even if there are things in the way. This is where specialty property insurance is vital. We serve the community of Huntington, TX and the surrounding areas at Integra Insurance Services and we can help you even if you may have a special circumstance. 

Specialty property insurance is pulled in when a property owner tries to purchase insurance and discovers that there is something that makes it a little more complicated. Examples of this are if your home is extremely old or low in value if your home is left vacant for much of the time, if the home has more than one family unit living in it, or if the purchaser has too many insurance claims in the past. Also if the area the home is located required add ons like flood or fire then specialty insurance may be called for. There are many situations and this type of property insurance is designed to help ensure the hard to insure people and places. We will be happy to discuss your needs and your current situation. 

Huntington, TX has homes of all types of ages and properties with many variations of risk. If you worry that purchasing insurance may be complicated with your situation contact us at Integra Insurance Services. We can make it seem simple and help you with the specialty property insurance services you need for the protection you want. Call us today to learn more. 

What are the benefits of a Texas commercial insurance policy?

Anyone that is looking to start a new business will want to find a location that offers a variety of great amenities. One location that can offer a lot of opportunities to small business owners in Huntington, TX. For those that are in this area of Texas and start a business, it would still be wise to get a new commercial insurance policy. There are several ways a commercial insurance policy can benefit a Texas small business. 

Ensures Compliance

One of the reasons to get a commercial insurance policy is that it can ensure you are in compliance with a variety of different requirements. Today, many businesses of all sizes are obligated to carry commercial insurance by their lenders, landlords, and investors. When you get this coverage, it can help to ensure you stay in compliance with your insurance obligations.

Protects Business

Even if there is no obligation for you to carry this insurance, you should still get a commercial insurance policy. When you have a full insurance policy, you will receive protection for your business assets and against liability. This could prove to protect your business in some challenging situations. 

If you are a business owner in the Huntington, TX area, it is clearly very important that you get a commercial insurance policy. As you are shopping for a new policy, you could soon find that it is a complex form of insurance to shop for. Since it is such a challenging form of insurance to assess, you should reach out to Integra Insurance Services to assess your needs. The team at Integra Insurance Services can help you to better assess your needs and then get you into a policy that provides the right type and level of coverage. 

How Much Auto Insurance Do You Actually Need?

It doesn’t matter whether you drive a brand new BMW or a late model Ford – you need to have the appropriate auto insurance to cover you in the event of an accident. If you are in the Huntington, TX area, and need help with your auto insurance questions, contact us at Integra Insurance Services where a friendly and knowledgeable team member will be happy to assist you. 

How Much Insurance Do I Need?

Generally speaking, the amount of coverage needed really depends on each individual’s unique situation. For instance, if you have teenage kids that have just started driving you’ll want to make sure you are protected from everything like a minor fender to a major accident. Keep in mind, that the higher the deductible you choose for collision and comprehensive the less expensive your policy but the more money that you’ll have to shell out upfront before the insurance company takes over. For instance, if I’m in an at-fault accident and the cost to repair my vehicle is $5000 and I have a $1000 deductible I have to pay out the first $1000 before assistance from the insurance company. The great thing about insurance is that there are a number of discounts you may qualify for. That’s why if you are in the Huntington, TX area it’s really important to call us at Integra Insurance Services so that we can determine if you qualify for a less expensive policy.

What About Liability Coverage?

You want to have enough liability coverage to protect your total assets. In short, liability insurance covers third party costs that you may sustain if you at fault in an accident. Without liability coverage, you are on the hook for costs to both the other person’s vehicle, lost wages due to injury, and even their medical bills. These costs add up quickly, so make sure you have adequate coverage.

Home Insurance Add Ons To Consider

When it comes to your home insurance policy, it probably came packaged with your mortgage. Maybe your real estate agent helped you select it or you picked it out during the purchase process. Whenever you obtained your mortgage there is a good chance that you didn’t spend as much time with selecting it as needed. After all, you were just moving in and didn’t know all the ins and outs of your home. Well, now that you’ve spent some time in your home it is a good idea to adjust your home insurance policy. At Integra Insurance Services we can help you specifically with that. So if you live in Huntington, TX, we want to lend a helping hand. 

Flood Insurance

Protect your property from flooding, such as following a major storm, a burst pipe, or from putting out a fire, with flood insurance. 

Landscaping Insurance

Did you put up new constructions on your property? Want to protect a tool shed you had installed. Perhaps you have a swimming pool or other additions on the outside of your property? Well, you can insure these areas of your home so, in the event of damage, you won’t be forced to repair or replace these items fully out of pocket. 

Window Insurance

Have large windows that are in harm’s way? Protect them with window insurance. 

Consider Your Home Insurance Policy Options

There are plenty of home insurance policy options to choose from. It’s simply up to you to know what your home needs. From additional flood insurance to protect the swimming pool and gazebo you had installed, there are all kinds of home insurance policy options you’ll want to look over. And if you live around the Huntington, TX area our staff here at Integra Insurance Services is here to help every step of the way.